| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYNES BENEFITS CONSULTING LLC3 | 3200 N CENTRAL AVE PHOENIX, AZ 85012 | AETNA LIFE INSURANCE CO. | $7K | — | $7K | 7.97% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS OF ARIZONA | 2800 N CENTRAL AVE SUITE 1100 PHOENIX, AZ 85004 | AETNA LIFE INSURANCE CO. | $1K | — | $1K | 1.37% |
| HYNES BENEFITS CONSULTING LLC3 | 6908 E JACKRABBIT RD PARADISE VALLEY, AZ 85253 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 6.07% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS OF ARIZONA | 2800 N CENTRAL AVE SUITE 1100 PHOENIX, AZ 85004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $542 | — | $542 | 0.88% |
| HYNES BENEFITS CONSULTING LLC3 | 6908 E JACKRABBIT RD PARADISE VALLEY, AZ 85253 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 7.19% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS OF ARIZONA | 2800 N CENTRAL AVE SUITE 1100 PHOENIX, AZ 85004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $474 | — | $474 | 0.83% |
| HYNES BENEFITS CONSULTING LLC3 | 6908 E JACKRABBIT RD PARADISE VALLEY, AZ 85253 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 11.26% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS OF ARIZONA | 2800 N CENTRAL AVE SUITE 1100 PHOENIX, AZ 85004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 3.74% |
| HYNES BENEFITS CONSULTING LLC3 | 6908 E JACKRABBIT RD PARADISE VALLEY, AZ 85253 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $711 | — | $711 | 7.41% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS OF ARIZONA | 2800 N CENTRAL AVE SUITE 1100 PHOENIX, AZ 85004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $249 | — | $249 | 2.60% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 200 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 200 | $87K |
| Vision | AETNA LIFE INSURANCE CO. | 200 | $87K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 130 | $37K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 90 | $62K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 132 | $57K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 130 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.